Hello all. Approximately 7 months ago I was completely debt free. I had 3 credit cards that had no balances, and they remained unused. Two months ago, American Express sent me a letter saying my account was closed because I was late on payments. When I inquired, they told me that I bought something from a clothing company in April 09, and then did not pay for several months. The account incurred many fees due to this, and it now totals to about $300. The problem is, I did not buy anything. It was a fraudulent charge.